Page 19 - Fontbonne University 2022 Benefits Guide
P. 19
2022
Benefits Guide
DISABILITY
Long Term Disability (LTD) Short Term Disability—
You will be eligible to receive a monthly LTD beneit Staff Only
if you meet the deinition of disability (see below). We recognize the hardship a non-work related injury
LTD beneits begin after 90 consecutive days of or illness resulting in lost time from work can have
disability, and are equivalent to 60% of your monthly for you and your family. In order to have protection
earnings to $6,000. The maximum duration for for income lost due to an extended absence from
receiving LTD beneits is to age 65 or your Social work, you are provided disability protection at no
Security Normal Retirement Age. cost to you by Fontbonne University.
Definition of Disability If you meet the deinition of disability as determined
You are disabled when Lincoln Financial by Lincoln Financial, you will be eligible to receive
determines—due to your injury, or illness—you a beneit equal to 66 2/3% your pre-disability
are receiving appropriate care and treatment from earnings, to a maximum of $1,500 per week for 13
a doctor on a continuing basis, while unable to weeks. Your STD beneits may be reduced by the
perform one or more of the essential duties of the amount of other income you receive for the same
following. disability. The elimination period—the length of
time of continuous disability which must be satisied
X Your occupation during the elimination period before you are eligible to receive beneits—is seven
X Your occupation, for the two year(s) following days.
the elimination period, and as a result your
current monthly earnings are less than 80% of Definition of Disability
your indexed pre-disability earnings You are considered to have a disability when Lincoln
X After two years, any occupation Financial determines—due to your injury or illness—
you are unable to perform the duties of your job
If, at the end of the elimination period, you are and are earning less than 20% of your pre-disability
prevented from performing one or more of the earnings.
essential duties of your occupation, but your current
monthly earnings are greater than 80% of your pre-
disability earnings, your elimination period will be
extended for a total period of 12 months from the
original date of disability, or until such time as your
current monthly earnings are less than 80% of your
pre-disability earnings (whichever occurs irst).
19
Benefits Guide
DISABILITY
Long Term Disability (LTD) Short Term Disability—
You will be eligible to receive a monthly LTD beneit Staff Only
if you meet the deinition of disability (see below). We recognize the hardship a non-work related injury
LTD beneits begin after 90 consecutive days of or illness resulting in lost time from work can have
disability, and are equivalent to 60% of your monthly for you and your family. In order to have protection
earnings to $6,000. The maximum duration for for income lost due to an extended absence from
receiving LTD beneits is to age 65 or your Social work, you are provided disability protection at no
Security Normal Retirement Age. cost to you by Fontbonne University.
Definition of Disability If you meet the deinition of disability as determined
You are disabled when Lincoln Financial by Lincoln Financial, you will be eligible to receive
determines—due to your injury, or illness—you a beneit equal to 66 2/3% your pre-disability
are receiving appropriate care and treatment from earnings, to a maximum of $1,500 per week for 13
a doctor on a continuing basis, while unable to weeks. Your STD beneits may be reduced by the
perform one or more of the essential duties of the amount of other income you receive for the same
following. disability. The elimination period—the length of
time of continuous disability which must be satisied
X Your occupation during the elimination period before you are eligible to receive beneits—is seven
X Your occupation, for the two year(s) following days.
the elimination period, and as a result your
current monthly earnings are less than 80% of Definition of Disability
your indexed pre-disability earnings You are considered to have a disability when Lincoln
X After two years, any occupation Financial determines—due to your injury or illness—
you are unable to perform the duties of your job
If, at the end of the elimination period, you are and are earning less than 20% of your pre-disability
prevented from performing one or more of the earnings.
essential duties of your occupation, but your current
monthly earnings are greater than 80% of your pre-
disability earnings, your elimination period will be
extended for a total period of 12 months from the
original date of disability, or until such time as your
current monthly earnings are less than 80% of your
pre-disability earnings (whichever occurs irst).
19
